Homeowners

Which policy would a couple living in a retirement community need to cover their improvements? Would it also cover their golf cart?

While the hard market has cut deep into nearly every insurance market, the scale and magnitude of its impact on the bread and butter of personal lines has turned what was once a simple product into a nightmare.

“To me, it seems to be at the center of insuring families,” says independent agent Billy Wagner. “Our goal wasn’t just to sell policies but to facilitate informed purchasing decisions through education and simplification.”

An insured is building a new home and plans to hire a moving company. If the moving company damages any of their personal property, is that covered under the Homeowners Policy Special Form 3?

The first admitted parametric tornado disaster benefit insurance for homeowners covers up to $15,000 to help pay for immediate out-of-pocket costs and the homeowners insurance deductible.

If a client with an HO6 policy leaves his bathtub on and it overflows and damages the unit below, how is the damage covered?

A mound system drain field failed, but the carrier denied the claim because piping wasn’t damaged.